Should I invest in UTI Fixed Income Interval Fund ( Half Yearly Plan-II)?

We don't give personal investment advice. UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.4%. 5-year CAGR: 4.40%.

UTI

UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option

Latest NAV

₹26.0845

As of

11 May 2022

2,024 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.01%	-2.27%	+2.28	407 / 1079	Q2
1W	+0.07%	-2.66%	+2.73	600 / 945	Q3
2W	+0.13%	-2.62%	+2.75	605 / 930	Q3
1M	+0.28%	-2.43%	+2.70	667 / 924	Q3
3M	+0.76%	-1.42%	+2.19	801 / 916	Q4
6M	+1.51%	-0.05%	+1.57	764 / 876	Q4
YTD	+1.10%	-0.27%	+1.37	727 / 880	Q4
1Y	+2.92%	+3.14%	-0.23	770 / 835	Q4
2Y	+1.94%	+4.08%	-2.13	779 / 807	Q4
3Y	+2.77%	+4.43%	-1.66	774 / 800	Q4
4Y	+3.72%	+7.85%	-4.14	163 / 164	Q4
5Y	+4.40%	+7.36%	-2.96	77 / 77	Q4
7Y	+5.39%	+6.45%	-1.06	35 / 39	Q4
10Y	—	—	—	—	—
Inception	+5.99%	+5.01%	+0.98	927 / 1079	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2022 YTD	+1.10%	-1.01%	+2.11	170 / 220
2021	+1.27%	-0.37%	+1.64	308 / 366
2020	+2.67%	+6.75%	-4.09	416 / 486
2019	+5.49%	+7.15%	-1.67	374 / 524
2018	+7.06%	+5.66%	+1.40	63 / 269
2017	+7.31%	+6.29%	+1.02	79 / 279
2016	+7.75%	+8.41%	-0.66	174 / 241
2015	+8.35%	+7.38%	+0.97	119 / 184
2014	+8.95%	+12.06%	-3.11	75 / 76
2013	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+6.01%

91 windows

min 0.8% · max 9.0%

100% positive

3-Year rolling

+6.28%

67 windows

min 2.8% · max 8.4%

100% positive

5-Year rolling

+6.29%

42 windows

min 4.4% · max 7.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+6.01%

18 windows

min 5.4% · max 6.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

0.90%

3-year · annualised

Sharpe ratio

-4.18

vs risk-free 6.5%

Sortino ratio

-5.42

Downside-only deviation

Max drawdown

-1.36%

Feb 2021 → Feb 2021

% positive months

97.2%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC FMP 1269D March 2023 - Growth Option - Direct Plan	HDFC	₹12.5263	3 Jun 2026
Nippon India Fixed Maturity Plan - XLIII - Series 1- Direct Plan - Growth Option	Nippon India	₹13.3582	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth	SBI	₹17.3852	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Growth	ICICI Prudential	₹43.7788	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN-GROWTH (3652 days)	Bandhan	₹17.7320	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Growth Option	Aditya Birla Sun Life	₹13.5023	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct Growth	Franklin India	₹11.0072	3 Jun 2026
Kotak Bond Fund - Growth - Direct	Kotak	₹88.1692	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - Growth	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Growth	HSBC	₹47.7483	3 Jun 2026

Recent NAVs

Date	NAV
11 May 2022	₹26.0845
10 May 2022	₹26.0819
9 May 2022	₹26.0794
6 May 2022	₹26.0716
5 May 2022	₹26.0690
4 May 2022	₹26.0664
2 May 2022	₹26.0617
29 Apr 2022	₹26.0543
28 Apr 2022	₹26.0517
27 Apr 2022	₹26.0494

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 11 May 2022, the NAV of UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option is ₹26.0845. It's a Medium to Long Duration Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option has NAV history starting from 05 Dec 2013, a track record of about 12 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option has delivered a absolute return of 2.92% — -0.23 pp behind the Medium to Long Duration Fund category average of 3.14%. The fund ranks #770 of 835 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option has delivered a CAGR of 2.77% — -1.66 pp behind the Medium to Long Duration Fund category average of 4.43%. The fund ranks #774 of 800 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option has delivered a CAGR of 4.40% — -2.96 pp behind the Medium to Long Duration Fund category average of 7.36%. The fund ranks #77 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option exactly 5 years ago would be worth approximately ₹124,044 today — a multiplier of 1.24×, based on the 5-year CAGR of 4.40%. The category average over the same window would have grown ₹1 lakh to ₹142,653.

A ₹10,000 monthly SIP in UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹651,995 today. That's an XIRR (money-weighted annualised return) of 3.28%.

UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹974,193 — XIRR 4.17%.

On a 5-year basis, UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option ranks #77 out of 77 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 7.36%; this fund delivered 4.40%.

The worst peak-to-trough decline UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option has experienced over the last 5-year window is 1.36% — its NAV fell from a high on 03 Feb 2021 to a low on 12 Feb 2021. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option averaged 6.29% (best 7.91%, worst 4.40%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -2.42 — negative risk-adjusted performance.

In calendar year 2021, UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option returned 1.27% — beating the Medium to Long Duration Fund category average of -0.37% by 1.64 pp. It ranked #308 of 366 in its category that year.

UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.4%. 5-year CAGR: 4.40%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

UTI Fixed Income Interval Fund ( Half Yearly Plan-II)- Direct Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium to Long Duration Fund

Recent NAVs

Frequently asked questions

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